Sorry to be boring but a Nationwide CASH CARD, is still the best exchange rate, almost inter-bank, with no charge by Nationwide.
In Phil CitiBank don't charge although BPI and MaetroBank do, 3.50 USD per withdrawal.
I think if one can find a Visa ATM then there will be no charge in Phil ether.
My wife's cousin has a CASH CARD. I just transfer on line the amount we want to send and within minutes he can draw the cash.